Lawrence Broady: "Stocks, bonds, and CDs. It has its ups and downs, but basically I'm not losing anything."

Kathy Gerdt: "These days I'm just sweating a lot and tweaking some of my investments and taking some of it out and putting it in more protected places. They have these things that are sort of responsive to the stock market, that have a very small return compared to what the stock market does, but it can't go down."